What is the Business Savings Plan (BSP)?

The Corporate Savings Plan (PEE) is a collective employee savings scheme allowing employees (and sometimes SME managers) to save with the help of their company. Concretely, the employee can pay part of their remuneration (profit sharing, participation, bonuses, voluntary payments) on their PEE. In return, the company can supplement these payments with a contribution, that is to say an additional contribution increasing the employee’s savings.

The invested savings are blocked for 5 years, except in cases of early release provided by law (marriage, birth, purchase of a main residence, divorce, retirement, etc.).

The PEE therefore allows for:

📈 Build up savings with a medium-term horizon (5 years).

🎁 Take advantage of the company’s contribution (up to 3 times the amount paid by the employee, within the limits of the ceilings).

💰 Benefit from an advantageous tax framework (income tax exemption on capital gains, excluding social contributions).

👉 Concrete example: An employee pays 1,000 € on his PEE. His company is 200% full. The employee therefore has €3,000 invested (€1,000 + €2,000 in contribution).